家庭財務安排/莊峻華

家庭財務安排/莊峻華

每個家庭都有一本財務帳，需要妥善安排，偶爾遇上國家經濟動盪，情緒上稍有波動，想到美金之崩潰，當然會有魚池之怏，這是小康家庭之通慮，於是愛美教我，找機會賣掉一些退休金，留些現金在手上，以防不惻。如果手持一些現金，儲蓄小資本，就不全在股市，不能享受全額奔騰。我希望股市上升，公司也希望生意興隆，政府也希望股市賺錢，外國也希望美國富強，所以我全部放在成長股市。

我的支出，越來越簡單，生活越來越單純，我了解美國聯邦，可以隨時印錢後，更相信在我生前，美國財政不會崩潰，所以社會安全金，不會中斷，股市不像會全部歸零，因此我尚能領出退休計劃金，這是我目前之主要收入。我因一小周轉，向兩信用卡貸款，不久將還清，身體健康，吃的糖尿病藥物，都是免費，每年需繳之稅務，都在負擔範圍內。

因為武漢肺炎肆虐，我不能出外旅行，所以省下旅行費，每日我的散步，游泳，網球，和家庭園藝等，都是免費，舊車無冷氣，但仍可使用，打球和游泳，新車不宜。因此，我仍不為所動，我真是無需，領出現金，多此一舉，這些高科技基金，是我有今日穩定之主因。

每日，我都盯箸免費網路節目，看看美國，台灣，和中國等政治連續劇，想想我的看法，我已過大半人生，想想過去，比較現在，不敢想未來，也許我儲蓄這些小資本，可以安排人照顧晚年。

How the pandemic affecting the national finance/Carlos Pueblo

How the pandemic affecting the national finance/Carlos Pueblo

The Federal government is pumping more money to save the national economic after the out break of the Chinese Wuhan Novel Corona Virus pandemic. I count the first three waves of the pandemic impact funds including the $1,200 for me with Donald Trump's name on it which is the third one with 2.2 trillions, the first two waves are 70 millions and 80 millions each. Additional 3.5 trillions is coming with the first approval of the House with the support of Trump's White House. I am puzzled with the huge amount of such quantitative funds generated by a government without any savings at all. I don't think any one like me up to any of an individual State government, or any of the nations of the world can practice like that. How the pandemic is affecting the national finance? I, therefore, ask Paul Krugman via a Google search on the internet.

Someone does ask him about this issue. He points it out as long as keeping at the range of 40% of the gross domestic product, GDP, and we'll be alright. Finally, I am confirmed that after leaving the gold standard in 1973, the Federal finance authority has been based on the GDP to maneuver the circulation of the Dollars. He says 6 trillions for the time being to save the American economic life is alright. I think that 7.2 trillions numbers mentioned above with 1.2 trillions deficit is not a big issue upon talking. He is a hawk of the government spending to stimulate economic scholar.

We don't have that luxury, if we need the money, we have to dig into our regular savings or we must borrow the money. Borrowing money must pay the loan back on time. That is why a normal person builds a saving habit to manage his own home economic. It doesn't look like the U.S. Federal is practicing that way ever since the establishment of the Republic. The Treasury does pay the interest of the Bill, the Note, and the bond regularly and borrow a new bond to replace the old. The National debt is accumulating until I loss interest to remember it. Of course, there is a legislation the balance budget and there is always ways to make an exception every times. We all assume that our GDP will keep on growing and the U.S. Dollars can maintains the value to purchase power forever.

When I save my money and invest it on my retirement funds, I trust the market will go up eventually. No body in the whole world would like to see the collapse of the U.S. Market. No body like to see the collapse of the U.S. Dollars. I only  have a limited time of my life and I almost have passed it. Krugman does point it out that the U.S. political situation is basically stable with tax revenue; therefore, the U.S. Dollar is reliable. I believe that the U.S. has taken advantage of a low interest of the treasury and free loan of people keeping their cash in the U.S. currency. The National Finance is complicated during the Pandemic and this is only what I can remember to mention about it.

疫情國家財政/莊峻華

疫情國家財政/莊峻華

講到中國武漢肺炎疫情，無法不注意財政影響，因為股市動向，足以左右我之私人退休金儲蓄，直接影響我有限之老年生活安逸。於是我迅速在網路搜尋，經濟智者，保羅克魯曼最近之論點，他的確再次強調疏困救濟金之必需，這是救命，若因疫情導至美國經濟崩潰，則無法挽救，疏困就是印鈔票，上次印2.2兆，加上稍前面兩次1.5兆，共約3.7兆，他說還需要照顧地方州市政府，像是失業救濟金，和因疫情控制等支出，所以民主黨眾院，有第二波立法疏困救濟金，約是3.5兆，參院共和黨有意見，川普白宮已同意，克魯曼曰，美國可以如此混，5-6兆美金，約是40%之國內總生產毛額，目前之美國政府，已經玩到超過克魯曼之估計，但他約不反對，救命要緊，二戰後，美國約是超過100%，然後再増加生產繁榮經濟，將該數目降低。

個人家政，上至州政府財政，沒有如此信用，只能借錢，但借錢要還，不還要破產，經常破產，又能為巨富者，只有像川普這種商人，所以大家都想研究他如何逃稅？我想最佳之策略就是量入為出，儲蓄以防不需之求，要小心翼翼，避免被感染，維持身體健康。

並不是每個國家，都可以像美國一般，自由操作幣制，美國富有國強，美金可以購買許多美國物品，美國財政部有信用，準時發放公債利息，或是新債還舊債，世人喜歡藏美金，給予美財政部無息貸款，像中國，日本，英國，和台灣等國，都大量購買美國聯邦公債，幾乎是無息貸款美國，多年前，我在達拉斯同鄉會，巧遇阿扁總統軍師，他提到美國之公債，指出德國在統一之後，就將錢留在德國建設，不若西德當年。

我比較興趣於家庭經濟，也重視私人資本，我儲蓄投資股市，主要在賭上通貨膨脹，如此加印美金，増加美金流通量，如果國家穩定，不發動戰爭，増加支出，有效控制瘟疫，政府有效率等，我看不出有近期財政危險，如政府可以如此印錢，社會安全金有何破產之慮？私人家政之迫切，更甚於國政。

The second wave of the pandemic/Carlos Pueblo

The second wave of the pandemic/Carlos Pueblo

New York Governor resumes his daily briefing about the Chinese Wuhan Novel Corona Virus Pandemic and announces a new quarantine policy of three jointed neighboring states virus 9 other states in the U.S. for two weeks including our Texas. That means if I attempt to travel to NYC to embark a ocean cruise liner, I must have extra two weeks stay at a hotel. The second wave of the pandemic has arrived, not from the south hemisphere yet from domestic infection. We are still closely monitoring ourselves to prevent any damage from the virus.

I am still living in a life of self exile, practicing self quarantine of some degree. I have had a 3-4 hours exercises every morning around my subdivision, taking several hours nap, and stay the rest of a day inside the house. I wear a home made mast to cover my mouse mostly and fully cover up to my nose in case that I pass by some one who smokes or a dusted area such as the lawn mowing in progress, etc. Amy is very careful as well. She goes on grocery shopping and always wears a mask. She watches Governor Cuomo's daily brief to enrich her knowledge of the public health and English. The only risk is Arthur who is still on duty of his job in a super market 5 days in a week. 

We were in the southeast Asia between 01-19-2020 to 02-07-20 for a land and cruise trip  to cover several nations, Thailand, Singapore, Hong Kong, and Vietnam. It was at the beginning of the pandemic. We realized the urgent of wearing a mask yet we were unable to buy one; therefore, we kept our second defense by keeping our social distance including in a restaurant. We were lucky indeed. Upon returning home, we have stayed at home ever since. First, we want to make sure that 14 days period is going well and no infection.

I have my diabetic pills refilled via a telephone conversation with my physician. I took Arthur to his cataract procedure by waiting on the parking lot. Additional two visits with his physician under a very carefully arranged seat. We take the pandemic seriously.

I watch the television talk shows daily on You Tube from Taiwan. The issue is very dominated in that Island Nation. One particular expert, Dr. Lee of Taiwan University Medical School Hospital who has had experience with the SARS back to 2003 analyzes the pandemic. He predicts that there is a second wave of the pandemic in the fall because of the travelers from the south hemisphere of their summer. The virus spreads actively in a cooling weather. Now we can't wait till the fall and we have had another out break peak in the summer which means the first wave of corona virus has never been controlled.

I am working on it and I don't want to let it destroy all what I have had. I am going to keep my self quarantine way of life. I'll write about how I get along my life without travelling. I am fine with my current life schedule and I must learn how to co-existed with the pandemic.

疫情/莊峻華

疫情/莊峻華

自中國武漢冠狀病毒肆虐後，已超過半年，美國仍舊無法有效控制，美國已經夠大，我無法煩腦到整個世界，但我深切了解，這世界已經開始在劇烈變化中，我最需要注意者，為在疫情環境下，我如何能避免感然？如何能安全渡過難關。

今年一月下旬，愛美與我遠赴東南亞洲旅行，當時，已有風聞武漢肺炎，但是行程早訂，不能退費，而且泰國，香港，越南，和星加坡等，都是久聞大名，未履其境，愛美是帶了兩具簡易口罩隨行，全程只能戴上一次，就在香港，口罩已不堪使用，全程各地都已經全程戒備，我們在郵輪一週，海上陸地一共三週，回家後，元兒已經設法訂購五十具口罩，因工作需要，他一直在超市工作，沒有在家禁閉。

愛美仍舊需要上街買菜，因此設法買合格口罩，我有智慧控制我的自我放逐生活，所以我開始戴愛美手縫口罩，勤肥皂洗手，撫摸愛犬，都至少蓋住口，如此和鄰居，相安無事，台灣醫生分析，東方醫界強調戴口罩，勤肥皂洗手， 西方醫界，主張保持巨離，我個人隨時奉行兩者不誤，偶而出外購物，但見美國人開始重視戴口罩，美國媒體，開始分析新増病例，來自感染者之疏忽，無視於防範措施，像群聚不戴口罩，保持距離，爭先恐後，要求開放解除禁閉令。

台灣已有七十三日，零本土病例，因禁止入境，或入境者，需有兩週禁閉規定，所以整國零病例已有多時，現在政府鼓勵國民外出消費，但人民仍舊餘悸猶存，仍舊節制，美國有人無視於防疫，藉故不保護自己，於是感染數増加，直到逼迫無法有效控制，非常遺憾，生病要花錢，而且此病毒能迫壞身體器官，就是痊癒後，也不復原形。

My happiness/Carlos Pueblo

My happiness/Carlos Pueblo

Yesterday I felt a sense of my happiness when I watched my yard, front and back, after I did my lawn mowing. A heavy burst of rain were pulling down to refresh trees and grasses. We temporarily stay away from the summer heat way in Houston, Texas. I feel my happiness of my life to the highest degree. It is true that I am aging; however, I have achieved most of my life dream. My life is sound, a reasonable good health, a saving and retirement funds arrangement, and a house to live and a car to drive., etc.

While I was in Taiwan, I lived with my family in a frame Tatami duplex with a small front and back yard owned by my father's employer, Taiwan Sugar Corporation. When I left Taiwan in 1975, we didn't have most of the appliances except a laundry machine and we used outdoor drying. Now, I have had a single dwelling with plenty of rooms to use. I have had my own library and I have a small space to do the garden work. Even Amy appreciates what I am doing myself on the yard. I have had a dog cage to lock my Korean melons inside to prevent the invasion of squirrels.

I have had multiple income to meet the need of my family. Two of my children are grown up and both are working. I don't have my parents anxiety to have sufficient money. I am very frugal and good at the money management. I love exercises, a three hours plus daily via morning walk, two sets tennis double, and some swimming afterward. I think that I shall be alright if I stop going out to trips from now own. I like to know the politics; however, I only see what I like and ignore what I don't like to see. 

A gentleman will be sorry if he is not know after his death, it is a piece of thought by Confucius which I like; therefore, I write and write many. I don't mind that I am not popular, yet I have already consider that I am a philosopher. I understand the true meaning of life. A meaningful life is based on what I define.

幸福比較/莊峻華

幸福比較/莊峻華

幸福感覺，是可比較，尤且隨著歲月増長，昨日割完庭院草皮，我在室內觀賞窗外，庭院經過幾日大雨，碧綠映然，我突然有一幸福感，這是我一生最為幸福之一刻，幾日前，琳兒因整修新購舊屋，未能如期完工，準備暫時返家，並且攜帶一愛犬兩愛貓隨行，她仍舊可以在其臥室工作，愛犬愛貓我們都認識，同時也可以讓我們全家，有團聚之機會。

我在台灣出生，自幼家境清寒，父母親給予我讀書環境和機會，我都是在一宏偉美夢中成長，就是移民美國，除了應付準備工作外，也無心思想念其他，當年台灣政府之規定，必須留學和經商，始可申請出國，經商無緣，只有乖乖之讀書，考上各級學校，各種考試，還有完成各種國民義務，然後離開台灣，我從來未曾想過要回台灣居住。

美國生活，也是一關過一關，職業不穩定，真正體會甚麼是謀生，幸好我有一長兄在身邊，孔子曰樂有賢父兄之謂也，當上保險業務代理，收入開始穩定，然後學上理財，加上原來之儲蓄習慣，就是誠正勤樸之台灣師大校訓美德，我的生活漸入佳境，漸漸體會幸福感覺。

美國是一上軌道之國度，給予國民，甚至移民等，許多機會生存，若不氣餒，仍有重生再起之機會，我一直在失業和就業中掙扎，一直相當準備求生存，一直到最後一次工作，深覺無望，浪費資本，因此辭去工作，然後就賦閒在家，變錢渡日，就是不工作，錢從天上掉下來，無中生有，這是儲蓄投資之威力，若能財務獨立，可以眼不見為淨，無視於他人之歧視，我買票旅行，不賣我者，我不消費也，我不喜歡者，我不投票給該人，美國給我如此權力，而且我也盡了繳稅之義務。

因此我感覺越來越幸福，每天都過有意義之生活，其實所需有限，要求也不多，甚易滿足，也沒有甚麼人來抬槓矣，一切體會者，皆幸福美滿也，亦不足為多人道也。